Frequently Asked Questions and Answers

Yes, under standard homeowner's insurance policies and subject to the terms, conditions, and exclusions in your policy.  Since not all policies are alike, please contact our office to discuss your case in more detail.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

 

Yes, under standard homeowner's insurance policies and subject to the terms, conditions, and exclusions in your policy.  Since not all policies are alike, please contact our office to discuss your case in more detail.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

 

Your car will be covered if you own automobile comprehensive insurance coverage. Otherwise, your homeowner's policy will not cover the damage to your car.  Since not all policies are alike, please contact our office to discuss your case in more detail.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

Many insurance companies will prefer if you file a police report.  Since not all policies are alike, please contact our office to discuss your case in more detail.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

Don't throw away any damaged personal property until your claim has been settled and paid.   You should also photograph and video tape all damaged property.  Since not all policies are alike, please contact our office to discuss your case in more detail.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

Yes, theft and vandalism coverage is standard in most policies and subject to the terms, conditions, and exclusions in your policy.  Since not all policies are alike, please contact our office to discuss your case in more detail.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

Mitigating or preventing further damage to your home is a duty under your policy.  Retain copies of costs incurred for temporary repairs and document all expenses, including receipts, canceled checks, invoices paid, contractors name, address and telephone numbers and work performed.  And take photos and video of the damage.  Since not all policies are alike, please contact our office to discuss your case in more detail.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

 

Most homeowner's insurance policies provide that you must submit proof of the damage claimed. The most effective way of demonstrating your damages to the insurance company is by documenting the before and after condition of your property. The best way to document all your personal contents and condition of your home is by taking photographs and video of the inside and outside of your home. Make sure you take pictures and video of everything you can, including your roof, garage, attic, inside of closets, basements, etc. Do the same for your personal contents, including your flat screen tv, home appliances, all furniture, etc. Periodically update your photograph and video catalogue as you complete new property improvements and add property contents. Keep all receipts of personal property and home improvements. Ensure you safeguard at least one copy of your personal and video catalogue off site, such as a bank safe deposit box. Planning ahead of time will be the key to proving your losses to the insurance company and providing you some peace of mind during this difficult moment.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

On the vast majority of cases, insurance claims attorney J.P. Gonzalez-Sirgo works on a contingency fee basis. This means that if there is no recovery on your insurance claim, you pay zero, including costs advanced by our office to litigate your insurance claim including deposition fees, consultant fees, court costs, expert witnesses, etc. Furthermore, Florida law states that if an insured has to sue his or her insurance company and succeeds, the insurance company is responsible for paying your attorney's fees and costs. Since not all insurance claim cases are alike, please contact our office.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

Absolutely. Insurance claims lawyer J.P. Gonzalez-Sirgo will work with you on a contingency fee basis with NO costs or attorney fees charged up-front to you. There will be no costs or attorneys fees to you unless we get the insurance company to pay on your insurance claim. Furthermore, Florida law states that if an insured has to sue his or her insurance company and succeeds, the insurance company is responsible for paying your attorney's fees and costs. Since not all insurance claim cases are alike, please contact our office to discuss your case in more detail.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

 

 

Miami insurance claims attorney J.P. Gonzalez-Sirgo offers free consultations to discuss your insurance claim denial. J.P. will evaluate your insurance claim and discuss with you if you have a viable claim against your insurance company. On most cases, our office will work with you on a contingency fee agreement. Meaning if there is no recovery on your insurance claim, you pay zero fees, including costs advanced by our office to litigate your insurance claim.  Furthermore, Florida law states that if an insured has to sue his insurance company and succeeds, the insurance company is responsible for paying your attorney's fees and costs. Since not all insurance claim cases are alike, please contact our office to discuss your case in more detail.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

 

You will never be responsible for any of our legal fees or our costs if we are not successful. Furthermore, you will never be asked to pay for costs up-front. If we are successful in your insurance claim, you will only pay a small percentage of the insurance settlement, usually as low as 10%. In cases where litigation (lawsuit filed) is necessary, fees increase to 40% and costs of litigation are extra, however, the good news for you is that Florida law provides that if we sue on your behalf and succeed in winning your case, your insurance company may be responsible for part or all of our legal fees and costs. Therefore, in some cases, you pay zero to us from your insurance settlement and pay zero attorney fees and costs. Since not all insurance claim cases are alike, please call our office to arrange a free consultation with insurance claims lawyer J.P. Gonzalez-Sirgo to discuss your case in more detail.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

Most homeowners, business owners and auto polices contain provisions entitling you to certain rights. One of these rights is in the "Appraisal" provision in your policy. Before you request or agree to the appraisal process, you may want to first discuss your case with our office.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

When your car, automobile, truck, boat, etc is stolen and you have not heard back from your insurer, please continue to attempt to make contact with the insurance company and obtain status on your insurance claim. Demand to speak to a supervisor. If you have exhausted all available means with your insurance company, you may contact our office for a free consultation in order to discuss your insurance claim in more detail with insurance claims lawyer J.P. Gonzalez-Sirgo.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

Yes, our office can help you with your flood insurance claim. You will never be responsible for any of our legal fees or our costs if we are not successful. Furthermore, you will never be asked to pay for costs up-front. If we are successful in your insurance claim, you will only pay a small percentage of the insurance settlement, usually as low as 10%. In cases where litigation (lawsuit filed) is necessary, fees increase to 40% and costs of litigation are extra. Since almost all flood insurance policies fall under a federal flood insurance program, the lawsuit would have to be filed in federal court. Because of this, federal law does not allow the insured to recover attorneys fees and costs even if you win your flood insurance case.

Therefore, in flood insurance cases, attorney fees and costs would be deducted from the proceeds of the insurance settlement. However, there are flood insurance policies that were issued by a private insurance carrier and not the federal flood insurance program. Under these private carrier flood policies, your rights to recover attorney fees and costs may differ from the federal flood insurance program. Since not all flood insurance claims are alike, please call our office to arrange a free consultation with insurance claims attorney J.P. Gonzalez-Sirgo to discuss your case in more detail.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

 

Insurance claims attorney J.P. Gonzalez-Sirgo can help you with the following residential and homeowner's insurance claims:

• Hurricane
• Mold
• Sinkhole
• Water damage
• Roof leak damage
• Plumbing/Pipe bursts
• Fire damage
• Windstorm
• Flood

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

Insurance claims lawyer J.P. Gonzalez-Sirgo can help you with the following Business and Commercial insurance claims:

• Property damage (fire, hurricane, windstorm, flood, etc)
• Business Interruption
• Boiler and Machinery equipment
• Debris Removal
• Builder's Risk
• Inland Marine

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

Yes, our office can help you with your business interruption insurance claim. It can get difficult for the inexperienced to value business losses, initiate the claims process, maintain open communications and negotiate with the insurance company until the successful settlement of your insurance claim. We are prepared and experienced in surveying damages to all your business assets, including machinery, business equipment, office buildings, factory plants, computers, inventory, supplies and other assets. We also work with Certified Public Accountants in calculating lost profits and including the results within the business interruption insurance claim. If litigation becomes necessary, insurance claims attorney J.P. Gonzalez-Sirgo is experienced in litigating insurance related matters.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

Yes, J.P. Gonzalez-Sirgo, P.A. offers free case evaluation and consultation to the board members of the condominium association to discuss their insurance claim. If your condominium has filed an insurance claim and you feel your claim has been wrongfully denied or the insurance company's offer is willfully low and insufficient to repair all damages, please contact our office to receive an appointment with insurance claims attorney J.P. Gonzalez-Sirgo. You will never be responsible for any of our legal fees or our costs if we are not successful. Furthermore, you will never be asked to pay for any of our costs up-front. If we are successful in your insurance claim, you will only pay a small percentage of the insurance settlement, usually as low as 10%.

In cases where litigation (lawsuit filed) is necessary, fees may increase to 40% and costs of litigation are extra, however, the good news for you is that Florida law provides that if we sue on your behalf and succeed in winning your case, your insurance company may be responsible for part or all of our legal fees and costs. Therefore, in some cases, you pay zero to us from your insurance settlement and pay zero attorney fees and costs. Since not all insurance claim cases are similar, please call our office to arrange a free consultation with insurance claims attorney J.P. Gonzalez-Sirgo to discuss your insurance case in more detail.

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].

 

Miami insurance claims attorney J.P. Gonzalez-Sirgo is available to help you with the following insurance related issues:

• Handling your initial claim with your insurance company
• Bad Faith insurance claims
• Denied claims
• Supplemental claims (after your first claim)
• Low ball estimates
• Dealing with insurance company adjusters
• Many other issues

You can reach Attorney J.P. Gonzalez-Sirgo by calling (786) 272-5841 or by emailing [email protected].